Lake Shore Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Lake Shore Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 37% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 16% of profit over the same period. Bigger rise in share count than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +3% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+3% / +4%In 3 years sales changed by +3% while total assets changed by +4%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Lake Shore Bancorp, Inc. owes $0.80 for every $1 it owns. Net profit rose 47% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
16.3Investors pay $16.3 for every $1 of Lake Shore Bancorp, Inc.'s yearly profit, higher than 68% of Financial Services companies in United States.
P/B ratio
1.02The share price is 1.02 times Lake Shore Bancorp, Inc.'s book value per share, lower than 71% of Financial Services companies in United States.
Market cap
$147 MThe total market value of all of Lake Shore Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 86% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$145 MWhat Lake Shore Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$18.43Net worth divided by the number of shares. The share price of $18.71 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
7.1%Lake Shore Bancorp, Inc. earned 7.1% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
Owes vs Owns
0.80×Lake Shore Bancorp, Inc. owes $0.80 for every $1 it owns (high), lower than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.98%Lake Shore Bancorp, Inc. pays 1.98% of its share price as dividends a year, lower than 71% of dividend-paying Financial Services companies in United States.
Revenue growth
+14%Revenue rose 14% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Profit growth
+47%Net profit rose 47% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit margin
26.1%Lake Shore Bancorp, Inc. keeps $26 of every $100 of revenue as net profit.
Questions
What is Lake Shore Bancorp, Inc.'s P/E ratio?
Investors pay $16.3 for every $1 of Lake Shore Bancorp, Inc.'s yearly profit, higher than 68% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Lake Shore Bancorp, Inc.: $147 M ÷ $145 M (30 Jun 2026) = 1.0.
What is Lake Shore Bancorp, Inc.'s return on equity?
Lake Shore Bancorp, Inc. earned 7.1% on its shareholders' money over the last year, lower than 69% of Financial Services companies in United States.
How much does Lake Shore Bancorp, Inc. owe compared with what it owns?
Lake Shore Bancorp, Inc. owes $0.80 for every $1 it owns (high), lower than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Lake Shore Bancorp, Inc. pay a dividend?
Yes. Lake Shore Bancorp, Inc. pays 1.98% of its share price as dividends a year, lower than 71% of dividend-paying Financial Services companies in United States.
Is Lake Shore Bancorp, Inc.'s revenue growing?
Revenue rose 14% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.